My solicitor has discovered a defect with the lease for the flat we are purchasing in Kilburn. The seller’s lawyers have suggested title insurance as a workaround. We are content with insurance and will pay for it. Our lawyer has advised that he must check that the lender is content with this solution. Who is the client here, us or the lender?

Even though you have a mortgage offer from the mortgage company does not mean to say that the property will meet their requirements for the purposes of a mortgage. Your lawyer has to ensure that the lease has to comply with the UK Finance Lenders’ Handbook requirements. You and the lender are the client. The appropriate lender specifications must be adhered to.

The Kilburn conveyancing firm that I appointed last week on my purchase in Kilburn have without warning closed. I chose them because I needed a lawyer on the Principality conveyancing panel and my preferred Kilburn lawyer was not. I issued them a cheque for two hundred pounds in advance. What do I do now?

Assuming that you have an Estate Agent in the equation then inform them immediately so that they can let the sellers know that there may be a slight delay due to reasons beyond your control. Hopefully they will be sympathetic and urge their lawyer to send a new set of papers to your new solicitors. You will need to appoint new lawyers that are on the Principality conveyancing panel and notify the lender. If you have paid over any money, it will hopefully be held by the SRA as money in an intervened firm's bank accounts is transferred to the SRA. Then, the SRA or the intervention agent looks at the intervened firm's accounts to work out who the money belongs to. To claim your money you will need to contact the SRA. If the SRA cannot return money you are owed from the firm's bank accounts, or if they can only return part of the money, you can apply to the Compensation Fund for a grant. Your new solicitors should be in a position to help.

Taking into account that I am about to spend 450k on a property in Kilburn I would like to talk to a solicitor regarding thetransaction before giving the go ahead to the firm. Is this something that you can arrange?

Absolutely - we would be happy to talk to you we do not take any clients on without you speaking to the conveyancer who will be doing your property ownership legalities in Kilburn.There is no ‘factory style conveyancing’ - each client is an important person, not a matter number. The solicitors that we put you in touch with believe that the fees you are quoted for residential conveyancing in Kilburn should be the amount on the final invoice that you are charged.

Due to sign contracts shortly on a ground floor flat in Kilburn. Conveyancing lawyers assured me that they report fully within the next couple of days. What should I be looking out for?

The report on title for your leasehold conveyancing in Kilburn should include some of the following:

The length of the lease term. You should receive guidance as what happens when the lease ends, and informed of the importance of the 80 year mark What remedies are open the freeholder should you are in breach of your lease terms? An explanation as to the provision in the lease to pay service charges - in respect of the block, and the more general rights a lessee has Does the lease require carpeting throughout thus preventing wood flooring? Repair and maintenance of the flat

I inherited a first floor flat in Kilburn. In the absence of agreement between myself and the landlord, can the Leasehold valuation Tribunal determine the sum due for a lease extension?

in cases where there is a absentee landlord or where there is disagreement about what the lease extension should cost, under the relevant statutes it is possible to make an application to the Leasehold Valuation Tribunal to judgment on the premium.

An example of a Freehold Enfranchisement case for a Kilburn property is 4 & 4A Charteris Road in June 2009. the Tribunal held that the price to be paid for the enfranchisement of 4/4a Charteris Road to be £15,510 for at 4and £15,694 for at 4a This case was in relation to 2 flats. The number of years remaining on the existing lease(s) was 70.02 years.

I require the services of a mortgage company panel solicitor in Kilburn. Could you help me?

Unfortunately it’s not apparent why you need a Kilburn panel solicitor but in any event, if you can not find one on our search tool you will need to speak directly to the mortgage company to find out which solicitors in Kilburn are on their panel . If you do find such a firm in Kilburn not listed please direct them to our site to list. At a fee of one pound per month it is not expensive to register on the site